Capital One
COF · Consumer Finance
$201.34
1.0%SLM
SLM · Consumer Finance
$19.42
10.8%The short version
- Capital One is the larger business, with $53.4B of revenue in fiscal 2025 against $2.0B for SLM, about 27 times as much.
- Capital One grew revenue faster (36.6%, against 7.3%).
- Investors pay more for each dollar of Capital One’s earnings: a P/E of 12.1x against 7.1x for SLM.
| Latest fiscal year | COF · FY25 | SLM · FY25 |
|---|---|---|
| Size | ||
| Market cap | $109.0B | $4.1B |
| Revenue | $53.4B | $2.0B |
| Free cash flow | — | — |
| Net income | $2.5B | $745M |
| Growth | ||
| Revenue growth | 36.6% | 7.3% |
| 5-year growth | 13.4% | 1.8% |
| Share count change | 41.1% | −4.1% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 4.6% | 37.5% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 2.8% | 32.3% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $5.6B | $476M |
| Valuation & quality | ||
| P/E | 12.1x | 7.1x |
| Piotroski F-score | — | — |
FY16
COF $25.5B
SLM $960M
FY17
COF $27.2B
SLM $1.1B
FY18
COF $28.1B
SLM $1.4B
FY19
COF $28.6B
SLM $1.7B
FY20
COF $28.5B
SLM $1.8B
FY21
COF $30.4B
SLM $2.0B
FY22
COF $34.3B
SLM $1.8B
FY23
COF $36.8B
SLM $1.8B
FY24
COF $39.1B
SLM $1.8B
FY25
COF $53.4B
SLM $2.0B
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